Quickly memorize the terms, phrases and much more. Diversification is important in investing because… • It helps you to balance your risk across different types of investments • It increases your overall risk, which guarantees that you will make more money • It ensures that you only make low-‐risk investments • It helps you gain the highest rate of return despite any risks. Work-life balance cannot be successful without effective priority setting. These loans generally must be repaid on the next payday and have very high interest rates, A check bought from a bank with payment guaranteed by the bank that it will not bounce, A measure of an individual's credit risk; calculated from a credit report using a standardized formula, organizations that supply information about consumers' credit history, occurs when someone runs a background check on your credit, does not affect your credit score, occurs when someone checks your credit history to make a lending decision, it affects your credit score. • Fill out her FAFSA form • Sign up for college admission exams • Start applying for grants & scholarships • Look for school clubs & organizations she’s interested in, Look for school clubs & organizations she’s interested in (correct answer), After you send in your FAFSA form, what will you receive back? This lesson is designed to inform students about • You use a small amount of your available credit. The goal of a retail bank is to make profit, so the interest earned can be lower on accounts. (correct answer). • Savings vehicles are only useful for long-‐term investments • People should evaluate different forms of savings vehicles based on their needs • Savings vehicles are never insured • All of the above, People should evaluate different forms of savings vehicles based on their needs, Which of the following accounts will give you the LEAST access to your money? • You have health insurance with a $500 deductible. Play this game to review Other. Quotes from Powerful Women on Work-Life Balance . It helps you to balance your risk across different types of investments (correct answer). We know that sometimes it's hard to find inspiration, so we provide you with hundreds of related samples. Repairs IV. • Discard old account statements weekly. Wear & Tear fees• I, III, and IV • I, II, and IV • I, II and III • I, II, III, and IV. YOUR INSURANCE PLAN: Premium = $300/month; Deductible = $500 • $200 • $300 • $500 • $800. • income tax • capital gains tax • sales tax • property tax, Your auto insurance policy has a $200 monthly premium and $700 deductible. Interest is – a charge for lending money to a bank – the amount owed for borrowing money – the amount added into your savings when opening a bank account – a charge for the convenience of accessing money stored in your bank account, Which of the following is a type of savings vehicle? • Credit unions are typically owned and run by their members. • Credit scores reflect how likely individuals are to repay their debts. 3 Quiz 1 Standardized Test 1 Portfolios Coursework First Term Exam. • Use his savings to buy the car in full • Buy the car using an auto loan • Lease the car • Take public transportation, All of the following components are commonly found in rental housing agreements EXCEPT: • Whether the renter can have pets in the house • How much the renter will pay • What type of renter’s insurance the renter must buy • Which repair types the renter will be responsible for, What type of renter’s insurance the renter must buy (correct answer), What is a mortgage? Learn ways to set priorities on the things that matter most and to say "no" to the things that matter least. • car; increase • car; decrease • house; increase • house; decrease, Renting provides _________ flexibility but can lead to _________ costs in the long-‐term. Balancing Life Balancing Life This lesson focuses on the soft skills of balancing life through the experience of higher education. (correct answer), Making a minimum payment: • Means you are paying a small portion of your total credit card debt • Is the same thing as making a late credit card payment • Will have a negative effect on your credit score • Will cause your credit card to be cancelled, Means you are paying a small portion of your total credit card debt (correct answer), What is a credit card balance? It is _________ to access your money in a savings account than in a checking account. • Cash receipts • Paycheck stubs • Pre-approved credit card offers • Old tax records. • You can only get federal student loans if you demonstrate financial need. • Stocks allow investors to own a portion of the company; bonds are loans to the company. Someone may choose to own a car instead of leasing because: • The car can be resold later to make some money back. Which of the following would be considered the highest risk portfolio? • Prevent unfair or deceptive business practices. (correct answer). • Supervising the Reserve banks • Establishing the federal budget • Maintaining a stable banking system • Setting the nation’s monetary policy, The three parts of the Federal Reserve System are the Reserve Banks, the Federal Open Market Committee (FOMC), and the: • Board of Governors • United States Mint • Department of the Treasury • Secretary of State, Which type of account is typically the MOST liquid? • the value of the investment may be hard to predict. • School personnel who want to have it on record. If you don't see any interesting for you, use our search form on bottom ↓ . Prevent unfair or deceptive business practices. • You use a large percentage of your credit limit. Life balance seems to be the topic on everyone’s mind of late. Learn vocabulary, terms, and more with flashcards, games, and other study tools. When it comes to investing, what is the typical relationship between risk and return? Edit. • Keep a copy of your bank statements in a safe place. Verse Concepts. • Prevent consumers from buying unnecessary items. • A portfolio made up of 60% stocks, 30% mutual funds, and 10% Treasury bonds. • It can impact how much you will have to pay for college. Save. • A type of rent used to pay for housing • A type of loan used to buy property • A measure of the value of a home • A measure of your credit rating, A type of loan used to buy property (correct answer), A _________ is generally considered an appreciating asset because it will _________ in value over time. • Change online account passwords frequently. ... july 2015 life sciences assignment; established as part of the Banking Act of 1933, the Federal Deposit Insurance Corporation (FDIC) protects bank customers from possible losses by insuring various kinds of savings accounts up to $250,000 per account. Keys to your future everfi lesson 1 my life goals answers Keys to your future everfi lesson 1 my life goals answers (correct answer). (correct answer), Having a low credit score can make it more difficult to: • Obtain a car loan • Open a new credit card • Secure an apartment lease • All of the above. You forgot to pay the cable bill. Hang up and call back using the bank’s official phone number. 4. What step would you recommend she take first? • Late fee • Annual membership fee • Balance transfer fee • Minimum payment fee, What payment type can help you stick to a budget? • Report the fraud to each credit bureau. – Only use ATMs close to your house – Only use ATMs to withdraw cash – Only use ATMs in your bank’s network – Only use ATMs you have used before, What’s the purpose of balancing or monitoring your checking account? Review your recent credit card statements. (correct answer), What is the primary reason to issue stock? An arrangement to receive cash, goods, or services now and pay for them in the future. • greater; lower • greater; higher • less; lower • less; higher. Access Free Answers To Quiz 2 On Everfi Answers To Quiz 2 On Everfi Thank you very much for downloading answers to quiz 2 on everfi. • Types of Credit Used • Payment History • Length of Credit History • Amounts Owed, Which of the following actions would IMPROVE your credit score? • A portfolio made up of 70% mutual funds, 10% stocks, and 20% Treasury bonds. B. • Both A & B, The best way to ensure the accuracy and safety of your accounts is to: • Monitor your online accounts regularly • Shred your paper account statements weekly • Balance your checkbook annually • Call your customer service center daily, Which of the following represent typical account fees? What is the maximum amount you will have to pay out-of‐pocket before your insurance covers your costs? What is the best housing option for John? You inquire about a credit card charge. Contact the credit card company to report the fraudulent charge. • There is no relationship between risk and return. (correct answer), The return on investment (ROI) from education is typically the highest for: • A high school graduate • A college applicant • Someone with a 2‐year (Associate) degree • Someone with a 4‐year (Bachelor’s) degree, Someone with a 4‐year (Bachelor’s) degree (correct answer), Which loan type requires you to make loan payments while you’re attending school? – Both A & B, You are opening a savings account that earns compound interest. John would like to move from the suburbs into the city, but the rent in the city is very high. Creative RF / Getty Images. What’s the best transportation option for Jim? Availability of resources to meet short-term cash requirements. • Call the store where the purchase was made and ask them to remove the charge. Plastic cards used to pay for purchases with funds you have in a bank account. Withdraw your money from all accounts. Which of the following statements about federal student loans is TRUE? EverFi Module 7 Insurance and Taxes Answers In the EverFi Taxes and Insurance module, the user was taught about the different types and benefits of insurance, as well as the purpose and function of taxes. • You have health insurance with a $1,500 deductible. Quiz 2 Standardized Test 2 Quiz 3 Project Final Exam. – ATM fee – Service fee – Minimum balance fee – All of the above, Which of the following is NOT one of the responsibilities of the Federal Reserve? a number assigned to a person that indicates to lenders their capacity to repay a loan. • Payday loan • Federal Student Loan • Private Loan • Both A & B, The Federal Application for Student Aid (FAFSA) form: • must be completed by your guidance counselor • can be submitted on online or by mail • can only be filled out by U.S. citizens • is used to apply for private loans, can be submitted on online or by mail (correct answer), You are looking for ways to pay for your higher education costs. • Unsubsidized federal loan • Subsidized federal loan • Both A & B • Neither A nor B, Jim is in the market for a car, but he’ll probably only need it for a couple of years. D. Account 4: Interest rate 1%, interest compounded annually. Choose from 166 different sets of everfi answers flashcards on Quizlet. He has a short commute to work, so he won’t be putting many miles on his vehicle. Copy and Edit. • memo line • signature line • routing number • The check number, Savings accounts usually offer _________ interest rates than checking accounts. Study Flashcards On EverFi Final Test at Cram.com. Students will learn the skills to successfully navigate academic, social, financial and personal aspects in life to achieve well-being while pursuing long-term goals. • One credit report each year • Three credit reports each year • One credit report from each credit bureau • Three credit reports from each credit bureau, One credit report from each credit bureau (correct answer), All of the following make up the big three credit reporting agencies EXCEPT: • Federal Reserve • Experian • Equifax • TransUnion. Michelle Obama: "Women, in particular, need to keep an eye on their physical and mental health, because if we're scurrying to and from appointments and errands, we don't have a lot of time to take care of ourselves. The Caloric Balance Equation. Which of the following options will require you to pay back any money you receive? a certificate issued by a bank to a person depositing money for a specified length of time. • Treasury bond − Stock − Diversified mutual fund • Stock − Treasury bond − Diversified mutual fund • Treasury bond − Diversified mutual fund – Stock • Diversified mutual fund − Treasury bond − Stock, • Treasury bond − Diversified mutual fund – Stock (correct answer), Which of the following is generally true about 401(k) and 403(b) retirement plans? Which of the following is the BEST way to protect against identity theft? • The interest rates on federal loans and private loans are similar. simple interest daily. Action Plan: Balancing Daily Life Balance your academic life Challenge yourself now by taking the hardest classes you can each year. Change online account passwords frequently. One reason to buy a home instead of rent a home is: • Homes have the potential to appreciate in value over time. • It can impact how much you will have to pay the government in taxes. Think about a career you’re interested in and list the classes you can take that would help you fi nd out if the career is a good fi t … Shred them in a paper shredder. Key 4: Balancing Daily Life First Generation Students - You can do it! – Checking account – Savings account – Certificate of Deposit – Exchange Traded Fund, What’s the best strategy for avoiding ATM fees? The greater the potential risk, the greater the potential return. • the investment is undervalued and may increase over time. • Close friends and relatives who do not know it. • Index fund • Stock • Mutual fund • Bond, Which of the following correctly orders the investments from LOWEST risk to HIGHEST risk? • The car can be resold later for a higher price. • Taxes are collected at the local, state and federal level • Taxes at the local, state and federal level are all equal • Some states don’t collect sales tax. You have health insurance with a $500 deductible. Start studying The Daily Life. Learn everfi answers with free interactive flashcards. • Each person has three credit scores. • Grants • 529 plans • Federal student loans • Scholarships, Your sister is starting 9th grade next year and is thinking about going to college. Daily life and social customs. Start your day with prayer or meditation. Which compounding frequency will earn you the MOST money? • Simple savings account • Certificate of Deposit (CD) • Checking account • Cash, When it comes to saving money, what is a good rule of thumb? • lower; easier • higher; harder • lower; harder • higher; easier. Rent the apartment with a roommate. B. Daily life in Mexico varies dramatically according to socioeconomic level, gender, ethnicity and racial perceptions, regional characteristics, rural-versus-urban differences, and other social and cultural factors. • A portfolio made up of 40% mutual funds, 40% Treasury bonds, and 10% stocks. (correct answer). • Paying the minimum • Missing a credit card payment • Paying off the full balance • Cashing in on rewards points, Missing a credit card payment (correct answer), If you are planning to carry a large balance on your credit card, which of the following credit card features should you look for? Which action will be least helpful if you’ve been the victim of identity theft? • Stocks pay interest to investors throughout the year; bonds only pay interest at fixed times during the year. • Your IRS Data Retrieval Form • Your Student Aid Report • A copy of your family’s tax returns • A copy of your completed FAFSA form, Using the FAFSA form, you can apply for: • Federal student loans • The federal work-‐study program • Private loans • Both A & B. How much should you expect to pay the insurance company each month for coverage? • Stocks are a more reliable investment; bonds tend to be more volatile. Since there is no profit, the interest earned can be higher and the loans given by the credit union can have lower interest rates. • Make on‐time payments • Check your credit report annually • Know your exact credit score • Fix inaccurate information on your credit report, Know your exact credit score (correct answer), When referring to student loans, what is a grace period? • To help you calculate how much money you have in your account • To keep an estimation of how many checks you write • To find out which checks you have bounced • To stop identity theft from occurring, To help you calculate how much money you have in your account (, What part of a check is the LEAST important? Clouds, Natural Use Awesome God God, All knowing God, Perfection Of The best way to investigate fraudulent transactions on your credit card is to: • Keep track of your monthly budget. • Credit scores range from the low 300’s to the mid 800’s. (correct answer). On this page you can read or download everfi final quiz answers quizlet in PDF format. By continuing we’ll assume you’re on board with our cookie policy. The work-life balance definition sets out to achieve an ideal balance between a person’s working life and private life. Account 2: Interest rate 1%, interest compounded daily. Start studying Everfi Modules 1-4. • Verified trusted sources that need it. Weight management is all about balance—balancing the number of calories you consume with the number of calories your body uses or “burns off.” A calorie is defined as a unit of energy supplied by food. The good news is that you can get closer to balance in your life with 7 very simple daily habits: 1. The number of years it takes for a certain amount to double in value is equal to 72 divided by its annual rate of interest. A. – Leaving his money in the account for long period of time. • Provide only your name and account number. • Ordering your latest credit report. Management Development Programme for Compliance. Job 37:16. Everfi Test Answers » Verified by Quizzma Experts Download everfi payment types answer key final quiz document. • Some states don’t collect income tax, Taxes at the local, state and federal level are all equal (correct answer), Insurance can help you: • minimize monthly expenses • protect against unexpected accidents • reduce the chances of getting into an accident • cover all out‐of‐pocket costs, protect against unexpected accidents (correct answer), When starting a new job, the form you complete to determine how much tax to withhold from your paycheck is the _______. (correct answer), Which document puts you at the least risk of identity theft? • Money order • Cashier’s check • Prepaid card • All of the above, The annual percentage rate on a credit card determines: • The amount of interest you are charged on credit card purchases • The amount your credit limit can go up within a year • How many credit cards that you can own • None of the above, The amount of interest you are charged on credit card purchases (correct answer), Which of the following can increase your credit card’s APR? We have compiled a list of dozens of questions and answers for you. • You have auto insurance with a $700 deductible. It can impact your ability to be approved for bank loans. • Certificate of Deposit • Money Market Account • Checking Account • Both A &B, John just opened a savings account and wants to maximize the amount of interest he earns. She wants to earn the most possible interest and will not need access to her money for a full year. Consumer protection laws are meant to: • Protect consumers from spending too much money. • Put them in the trash unopened. a year ago. EVERFI empowers educators to bring real-world learning into the classroom and equip students with the skills they need for success–now and in the future. • Debit cards allow you to draw funds directly from your checking account. The country's central banking system, which is responsible for the nation's monetary policy by regulating the supply of money and interest rates, 12 regional reserve banks, federal open market committee, board of governors, Federal Reserve committee that makes key decisions about interest rates and the growth of the United States money supply. • You send in your credit card payment a couple days late. A sum paid or charged for the use of money or for borrowing money, interest earned on both the principal amount and any interest already earned, The number of compounding periods in one year. • You disputed an item on your credit report. • Credit unions limit membership to certain people or groups. • You pay all your bills in cash. What is the best strategy to avoid paying interest on your credit cards? Which of the following actions would enable him to earn MORE interest? • It can impact your ability to be approved for bank loans. • A portfolio made up of 20% savings accounts, 50% mutual funds, and 30% bonds. • Hang up and call back using the bank’s official phone number. EVERFI's Social Impact Index offers courses in topic areas that address 12 of the most important life skills to drive an ecosystem of change in life and Credit bureaus, also called credit agencies or credit reporting agencies, are companies that collect credit, annual right of a person to check their reports for all three credit bureaus report for mistakes, Money you owe to someone or to an institution like a bank or credit card company. • Withdraw your money from all accounts. A retail bank deals directly with individual customers and small businesses. Insurance III. (correct answer). • The interest rate on your loan will be fixed over time. Three out of five U.S. school districts use EVERFI’s digital resources to teach topics like financial education, social emotional learning, and career readiness. Percentage of amount borrowed to be added to the amount loaned and paid back. I. • You inquire about a credit card charge. balance clouds Being A Know It All Perfection, Divine. What is the safest way to dispose of old bank account statements? Learn vocabulary, terms, and more with flashcards, games, and other study tools. Thanks to partners who share this mission, EVERFI’s online resources for teachers are available at no cost. • Buying a home requires less money upfront. • Review all old bank statements. Geography - TWGHs Wong Fut Nam College. If you don't see any interesting for you, use our search form on bottom ↓ . • The time period between graduating college and starting your first job when you don’t have to pay back student loans • The period after graduating or leaving school before you must begin paying back student loans • The amount of time you have to pay back your entire student loan amount – None of the above, The period after graduating or leaving school before you must begin paying back student loans (correct answer), Which of the following loans will typically offer the lowest interest rate? Share. • Protect businesses from consumers. (correct answer), Which of the following are NOT deducted on a typical paystub: • Sales tax • Social security tax • State income tax • Medicare tax, Which of the following statements about taxes is FALSE? The greater the compounding frequency, the more often. It is generally safe to provide your Social Security Number to: • Anyone who asks you for it. (correct answer), When you buy a ____ , you are loaning money to an organization. • the value of the investment may be hard to predict. • A portfolio made up of 60% stocks, 30% mutual funds, and 10% Treasury bonds. Pay the full balance each month. retail banks that operate only on the internet. Keys To Your Future is a career and college readiness program to help educators prepare high school students for a variety of post-secondary options and the workforce. – Compounding 1 time a year – Compounding 4 times a year – Compounding monthly – Compounding daily, To earn as much interest as possible, you should open a savings account that earns _______ interest and has the ______ interest rate. • The maintenance costs for a leased car are generally higher. • the investment is high‐risk, and will its price will increase quickly. We have discovered that maintaining a healthy life balance is not only essential for happiness and well-being; it can be a tremendous boost to your productivity and career or business success as … ... medical insurance, life insurance, disability insurance, and retirement plans. 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With your personal choice and decision to change the way you live your life with very... Be approved for bank loans number • the balancing daily life everfi quizlet the potential risk, bottom! Flashcards on quizlet should take if you do n't see any interesting for you, use search. To buy a home is a more flexible housing option cards allow to... Of investments ( correct answer ), which of the monthly rent in... On bottom ↓ be added to the mid 800 ’ s to the amount loaned and paid.! Back any money you receive account 4: Balancing daily life balance your risk across different types investments...